Nanny state's mothering instinct is smothering us

They're at it again! I told you they would be. The Financial Services Authority (FSA) is reported to be planning its next wheeze. The fistfuls of bumf which now has to accompany each piece of new business was the product of politically correct do-gooding ad nauseam. Most ordinary people will tell you that it only confuses them, and indeed often actually misleads them, rather than doing any real good.

The Regulators, in all their various guises, spent literally years in designing what they

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